Life insurance designed for people living with diabetes.

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John Hancock Aspire

Designed for people living with type 1 or type 2 diabetes, John Hancock Aspire combines the long-term financial protection you want, with a personalized diabetes support program that meets your unique health and lifestyle needs, and rewards you for taking steps to manage your condition and live a longer, healthier life.

We don’t think diabetes should stop you from getting the important life insurance protection you deserve.

Coverage is possible

We want to dispel the myth that people living with diabetes won’t qualify for life insurance. At John Hancock, the vast majority of applicants with diabetes are approved for coverage.1

Up to 25% in premium savings

With John Hancock Aspire, you can earn up to 25% in premium savings and other rewards for the everyday steps you’re already taking to stay healthy.2

State-of-the-art diabetes management

John Hancock is the only life insurance to offer access to a state-of-the-art diabetes management program from Onduo, including devices, coaching and expertise.

Onduo offers a virtual diabetes program empowering people with type 2 diabetes to live well.

For qualified members, the program includes diabetes tools, coaching and clinical support to help you take control of your type 2 diabetes. Onduo supplements your current diabetes treatment plan and provides a boost of support between doctors visits with up-to-date personal health information and answers to your questions from a team of health coaches.5,6

Aspire members also receive John Hancock Vitality

A program that rewards you for the everyday steps you take to live a longer, healthier life. There are two great versions of the program to choose from, Vitality GO and Vitality PLUS. They offer different levels of benefits and rewards to match your goals and interests.

Aspire members also receive John Hancock Vitality

A program that rewards you for the everyday steps you take to live a longer, healthier life. There are two great versions of the program to choose from, Vitality GO and Vitality PLUS. They offer different levels of benefits and rewards to match your goals and interests.

Frequently asked questions

What is John Hancock Aspire?

John Hancock Aspire is the first and only life insurance designed for people living with diabetes.

Aspire offers:

A more secure financial future for people with diabetes and their families

Practical guidance and support to help with day-to-day diabetes management

Up to 25% in premium savings with Vitality PLUS2

Savings and rewards for the everyday steps people take to stay healthy with the John Hancock Vitality Program

 

Is the John Hancock Vitality Program included with Aspire?

Yes, all John Hancock Aspire members have access to the John Hancock Vitality Program and can choose between Vitality GO at no additional cost and Vitality PLUS for as little as $2 per month.3 Each version of the program offers different levels of rewards. For example::

  • Up to 25% in premium savings2
  • Discounts on healthy food purchases4
  • The opportunity to earn an Apple Watch for as little as $25 with regular exercise
  • Access to online newsletters and webinars focused on health and nutrition

 

What is Onduo?

Onduo is a state-of-the-art program for people living with type 2 diabetes offering: 5,6

  • Tools
  • Coaching
  • Clinical support
  • Education

Once Onduo determines a member is eligible for its program, they’ll receive a welcome kit containing a blood glucose monitor and test strips. Using the Onduo app, members can monitor their levels day-to-day and over time to learn about how their body reacts to everyday decisions. A member’s virtual care team is available to answer questions and offer tips and advice to help them make better, more informed choices about their health.

 

How does Aspire work?

It’s easy to participate in the John Hancock Aspire program:

  • Step 1: Select the John Hancock life insurance product that best meets your long-term needs and elect Aspire
  • Step 2: Register for John Hancock Vitality and complete a brief health questionnaire
  • Step 3: For qualified members with type 2 diabetes, sign up for Onduo’s diabetes management program
  • Step 4: Use the tools and resources from Onduo and Vitality to help you stay healthy, record your progress, and manage your diabetes

Enjoy the rewards you earn for the steps you take to live a longer, healthier life

 

 

How and when can I get John Hancock Aspire?

John Hancock Aspire must be purchased through a licensed insurance agent. To learn more, please speak with your trusted insurance agent or contact us.

How can I earn savings and rewards through John Hancock Aspire, including up to 25% off my premium?

Using the John Hancock Vitality program, it’s easy for Aspire members to earn rewards and savings. Healthy activities earn Vitality Points. Vitality Points add up to Vitality Status. The higher your Vitality Status, the higher your potential for rewards. There are lots of eligible activities, including:

  • Daily exercise
  • Improving your HbA1c level
  • Buying healthy food
  • Taking an online nutrition course
  • Engaging with Onduo (for eligible members with type 2 diabetes)
  • Meditation
  • A good night’s sleep

It is important to note that some rewards, including the opportunity to earn up to 25% in premium savings are only available to those members who participate in Vitality PLUS. 

Enrolled in Aspire?

Financial professional?

More on Aspire

 

1. In 2018, 88% of applicants with type 2 diabetes were approved for coverage by John Hancock; 75% of people with type 2 diabetes and other commonly related conditions were approved for coverage. 66% of people with type 1 or type 2 diabetes and other related conditions wereapproved for coverage.

2. Premium savings are in comparison to the same John Hancock life insurance policy without Vitality PLUS. The level of premium savings over the life of the policy will vary based upon underwriting status, issue age, policy type, the terms of the policy and the Vitality Status achieved. Premiums savings are only available with Vitality PLUS.

3. For John Hancock Term policies with the optional Vitality rider, the cost for Vitality PLUS is 3% of your annual premium. For survivorship policies the charge is $4.00 a month.

4. HealthyFood savings are based on qualifying purchases and may vary based on the terms of the John Hancock Vitality program and are only available with Vitality PLUS.

5. John Hancock has arranged with Onduo to offer you the opportunity to apply for an Onduo membership if you have been diagnosed with type 2 diabetes.  Onduo currently offers three levels of membership – High, Low and Maintenance, with different benefits and services.  Eligibility for membership and the type of membership offered to you is determined solely by Onduo (certain exceptions apply). Per Onduo, the following conditions disqualify a person from participation: pregnancy, liver failure, end-stage renal disease (stage 4 or 5), congestive heart failure (grade C or D), organ transplant or bone marrow transplant, cystic fibrosis, malignant neoplasm (diagnosis or treatment), and any other condition or situation that, in the opinion of the Onduo team, makes the participant inappropriate for participation in the program.

6. John Hancock term life insurance policies with less than $500,000 in coverage are not eligible for the Onduo membership. For people with type 2 diabetes who are eligible for Onduo membership, John Hancock will pay for the membership for the first year. In year 2 and after:

  • For permanent life insurance policies of $250,000 or more in coverage and term policies of $2 million or more in coverage:
  •     John Hancock will pay for Onduo membership if member earns at least 900 points engaging with Onduo each year.
  •     If member does not earn at least 900 points engaging with Onduo each year, they will have the option to pay for the membership. Onduo will determine the membership type and cost. Costs typically range from $250-$750 and are subject to change by Onduo.
  • For permanent life insurance policies of less than $250,000 in coverage and term policies of less than $2 million in coverage:
  •     John Hancock will not pay for the cost of Onduo membership after year 1
  •     Member will have the option to pay for the membership. Onduo will determine the membership type and cost. Costs typically range from $250- $750 and are subject to change by Onduo.

 

Aspire is not available in New York, Washington and Idaho. Vitality GO is not available with policies issued in NY, WA & PR.

The tax treatment of certain aspects of the Aspire and Vitality Programs is uncertain. The value of some of the benefits you may receive in connection with these programs, such as gift cards and other cash equivalents, could be includible in your taxable income. John Hancock expects to report to the IRS only those benefits associated with these programs that it believes are taxable income, such as gift cards and other cash equivalents. Taxable benefits will be reported to the IRS by the company only if the value of such benefits received in a year is $600 or more. This material does not constitute tax or legal advice and neither John Hancock nor any of its agents, employees or registered representatives are in the business of offering such advice. You should consult your own tax advisor.

Certain aspects of Aspire may change over time. There is no coordination between Aspire and any health benefits you may receive from an insurance policy, health plan, or any other wellness programs you may be enrolled in.

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